Juliette Light
Punta Gorda,FL
Summary
Organized Mortgage Loan officer with 15 years of experience in all aspects of the loan process. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Licensed Mortgage Loan Originator
BayPort Lending LLC
Port Charlotte, FL, United States
05.2021 - Current
- Closed $1.8M in loans since joining in late May.
- Reviewed loan files and updated to match current standards.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Explained different types of loans pertaining to client situations.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Proactively identified solutions for customers experiencing credit issues.
- Worked with underwriters to fix application problems and resolve issues.
- Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
Vice President/ Business Development Officer
Bank OZK
Port Charlotte, FL
01.2019 - 05.2021
- Effectively tripled branch deposit growth in 22 months. Branch has grown from $14 million to $42 million currently in overall deposit base.
- Attended trade shows and client meetings, promoting company brand and building rapport with prospects and partners.
- Evaluated product development strategy effectiveness and prepared alternative approaches to exceed goals.
- Assessed employee performance and developed improvement plans.
- Engaged employees in business processes with positive motivational techniques.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring/termination processes, coaching employees on company protocol and payroll operations.
- Lead daily huddles to gain commitment from team and to broaden communication.
- Increased efficiency by analyzing data and maximizing opportunities for improved productivity across several areas.
- Originated, reviewed, processed, closed and administered customer loan proposals.
Assistant Vice President/Branch Operations Manager
Florida Community Bank
Punta Gorda, FL
04.2018 - 01.2019
- Protected company assets with strategic risk management approaches.
- Attended weekly meetings and special sessions of Leadership and Executive Leadership Teams and contributed to major administrative initiatives, policies and decisions.
- Identified and capitalized on community business opportunities with effective networking.
- Ensured compliance with all aspects of BS, AML and OFAC regulations.
Assistant Vice President/ Branch Manager III
Regions Bank
North Venice, FL
08.2016 - 04.2018
- Identified and capitalized on community business opportunities with effective networking.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Assessed employee performance and developed improvement plans.
- Recommended loan approvals and denials based on customer loan application reviews.
- Submitted loan applications to loan underwriter for verification and recommendation.
- Peer employee engagement champion as well as lending champion for Sarasota market
- Developed training programs for platform and teller team to lead to more success through needs based question profiling
Assistant Vice President/ Financial Center Manager
Bank Of America
Nokomis, FL
07.2015 - 03.2016
- Consulted with representatives of regulatory agencies to complete accurate filings and uphold strict compliance.
- Protected company assets with strategic risk management approaches.
Assistant Vice President/ Branch Manager
M&T Bank
Buffalo, NY
03.2006 - 07.2015
- Attended weekly meetings and special sessions of Leadership and Executive Leadership Teams and contributed to major administrative initiatives, policies and decisions.
- Exceeded sales goals every year and obtained Chairman's Club for branch 7 out of 9 years.
Education
Bachelor of Science - Natural Science
Daemen College
Amherst, NY05.2005
High School Diploma -
Newfield High School
Newfield, NY06.1999
Skills
- Relationship building and retention
- Policy and procedure development
- Targeted marketing
- Team building
- Time management
- Training
- Operations management
- Reporting familiarity
- Business development expertise
- Consumer Banking Specialist
- Analytical Thinking
- Presentations
- Residential/ Commercial loan expert
Certification
NMLS Licensed
Notary Public
Timeline
Licensed Mortgage Loan Originator
BayPort Lending LLC
05.2021 - Current
Vice President/ Business Development Officer
Bank OZK
01.2019 - 05.2021
Assistant Vice President/Branch Operations Manager
Florida Community Bank
04.2018 - 01.2019
Assistant Vice President/ Branch Manager III
Regions Bank
08.2016 - 04.2018
Assistant Vice President/ Financial Center Manager
Bank Of America
07.2015 - 03.2016
Assistant Vice President/ Branch Manager
M&T Bank
03.2006 - 07.2015
Bachelor of Science - Natural Science
Daemen College
High School Diploma -
Newfield High School
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